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Anons argue in comments
The one downside is that a lot of people I know have had some nasty accidents and broke a bone or something. Sure, in cars you are also at the risk of kissing a tree at highway speed, but bike accidents feel a lot more common and have a lot less protective metal involved
My only issue is the grocery store is a half an hour drive away by car because we live rural. We shop once a month for staples and stock a lot of things in bulk to avoid making multiple trips. Not everyone does or should live in a city. If there was a service like a train or a bus even we would use it but it isn't an option.
They might be inexpensive where you live. I've paid more than half of my paycheck for my bicycle, and it's one of cheaper ones.
Unregulated? I got ticket for an unregistered bicycle in 2011.